Insurers have actuaries to make sure they don't go bankrupt. They would be plenty happy to just sit there as middle men skimming off a cut forever. With standar

Insurers have actuaries to make sure they don't go bankrupt. They would be plenty happy to just sit there as middle men skimming off a cut forever. With standardization of care it becomes a lobbing fight as every other player in the industry, plus various groups representing the public, are also working to get that standard to cover everything imaginable. This already happens with state minimum coverage requirements.